Method and Apparatus for Mapping Sources and Uses of Consumer Funds

1. A non-transitory machine-readable medium for bill payment, including sets of instructions stored thereon which, when executed by a machine, cause the machine to: in a first transfer step, periodically initiate on a funds transfer schedule a debit to a designated deposit account (DDA) belonging to a debtor, wherein the fund transfer schedule comprises at least a portion of a subscription transaction table file, the subscription transaction table file comprising: information regarding a plurality of transactions for a plurality of subscribers; and all data necessary for effecting all of the plurality of transactions; in a second transfer step, receive funds from the DDA to a custody account; determine an amount of funds and a date that funds are to be transferred from the custody account to a creditor's creditor account in order to pay down both interest and principle of a debt owed and accomplish an accelerated repayment of the debt owed to the creditor by the debtor; determine a transfer method, based on the subscription transaction table file, of whether the amount of funds are to be transferred via an Electronic Funds Transfer (EFT) or a check disbursement; in a third transfer step, initiating a transfer of funds from the custody account; create a transaction record of either a disbursement from the custody account to an EFT disbursement account, or a creation of a check, based on the determination of transfer method; in a fourth transfer step, depositing the transfer of funds with the creditor; wherein the creditor account includes an associated minimum payment frequency; wherein the amount of funds to be transferred from the custody account to the creditor account is determined based at least in part on maintaining a minimum balance threshold value in the custody account; wherein the date that funds are to be transferred from the custody account to the creditor account is determined based at least in part on transferring funds to the creditor account at a greater frequency than the associated minimum payment frequency; wherein the greater frequency decreases the length of repayment of the debt; wherein the first transfer step, the second transfer step, the third transfer step, and the fourth transfer step occur asynchronously, based on conditions specified by a trust finder, such that the transfer steps do not occur in that order; and wherein the trust finder provides a join between parties involved in the bill payment.

2. The non-transitory machine-readable medium of claim 1 , wherein the sets of instructions when further executed by the machine, cause the machine to periodically credit the DDA with a credit on a regular credit schedule.

3. The non-transitory machine-readable medium of claim 2 , wherein the credit comprises a direct deposit of a debtor paycheck.

4. The non-transitory machine-readable medium of claim 1 , wherein the sets of instructions when further executed by the machine, cause the machine to determine a second amount and a date that funds from the custody account are to be transferred to a second creditor's creditor account to pay a second debt owed to the second creditor by the debtor.

5. The non-transitory machine-readable medium of claim 1 , wherein the debt comprises an interest-bearing debt.

6. The non-transitory machine-readable medium of claim 1 , wherein the sets of instructions when further executed by the machine, cause the machine to report to the debtor a transfer of funds from the custody account to the creditor account.

7. The non-transitory machine-readable medium of claim 6 , wherein the sets of instructions when further executed by the machine, cause the machine to report to the debtor an adjusted credit term.

8. The non-transitory machine-readable medium of claim 1 , wherein the transferring of the funds between the DDA, the custody account, and the creditor account is performed using an originating depository financial institution (ODFI).

9. The non-transitory machine-readable medium of claim 1 , wherein the sets of instructions when further executed by the machine, cause the machine to offer the debtor a campaign product.

10. The non-transitory machine-readable medium of claim 1 , wherein the sets of instructions when further executed by the machine, cause the machine to receive, at the DDA, credits over time that are in excess of a particular debt owed by the debtor to the creditor.

11. The non-transitory machine-readable medium of claim 1 , wherein the sets of instructions when further executed by the machine, cause the machine to provide for a computation of the accelerated re-payment.

12. The non-transitory machine-readable medium of claim 1 , wherein the sets of instructions when further executed by the machine, cause the machine to transfer an excess payment to the creditor account that provides a reduction in a total finance charge earned by the creditor and charged to the debtor.

13. The non-transitory machine-readable medium of claim 1 , wherein the amount of funds to be transferred from the custody account to the creditor account is further based on pending transactions.

14. The non-transitory machine-readable medium of claim 1 , wherein the date that funds are to be transferred from the custody account to the creditor account is further determined based at least in part on a date of pending receipts into the custody account.